现代商业银行的风险管理研究

The Research of Risk Management for Commercial Bank

随着全球经济形势的变化、金融创新以及技术革命出现,现代银行业面临着越来越多的风险。由于金融业本身特性加上银行的规模较大,一旦银行出现经营危机将会给整个国家带来巨大的负面效果。于是对现代银行的风险管理研究有极其重要的意义。本文分为四个部分,首先是对商业银行风险管理的概述,第二部分是国外商业银行风险管理研究,第三部分是我国商业银行风险管理的现状,最后是我国商业银行风险管理的对策与建议。

Along with the changes in the global economic situation, financial innovation and technological revolution, modern banking industry faces more and more risks. Because of the trait in financial industry and the size of large banks, banks crisis will bring enormous negative effects to the entire country. It is extremely important for us to study the modern banking risk management. This paper is divided into four sections, the first is the summarization of risk management for commercial banks, the second part is risk management in foreign commercial banks, the third one is the status of risk management in China＇s commercial banks, the last one is the measures and recommendations of risk management for China＇s commercial banks.